About Dave – Founder

Credit Counseling

Welcome to Collier County Credit Counseling. I am your Credit Coach Mr. Civil, and I’m going to tell you a little about myself, l I have helped many clients grow their financial portfolios in the last couple of years. I’ve also helped individuals develop their financial performance and get their credit back in good standing; I’ve provided education to ensure their long-term success stays with them at all times. I enjoy educating anybody regarding credit and making the proper financial decisions to help them understand more about financial freedom and managing and investing their funds. I highly consider myself an expert in the credit scoring system, with many years of experience in providing tailored recommendations for credit. My credit expertise has helped many businesses and individuals understand credit’s power and natural meaning.

1. Empowering Lives Through Credit Counseling: A Journey of Transformation

In a world where credit plays a significant role in financial stability and opportunities, many individuals find themselves burdened by poor credit scores and limited financial options. However, one person has made it their mission to empower others by helping them fix their credit and pave the way to a better life. This is the inspiring story of Your Credit Coach Mr. Civil, a credit repair specialist dedicated to transforming lives and creating a positive impact on communities.
The Awakening I recount the moment when I first realized the profound impact of credit on people’s lives, through personal experiences and witnessing the struggles of my family I then recognized the need for guidance and support to navigate the complex world of credit. This realization sparked a passion within me to become a credit repair specialist and advocate for my family and friends facing credit challenges.
Gaining Expertise, I took the journey of acquiring knowledge in the credit industry. I outlined all the steps it took to understand this industry I then educated myself, including formal education through (reading books, mentorships, etc) the determination that fueled my pursuit of becoming a trusted and knowledgeable credit repair specialist was priceless.
I began assisting my family, friends, in repairing their credit. In the early success stories that brought hope and transformation to individuals who previously been burdened by poor credit scores. Through the removal of errors, negotiating with creditors, and educating family, friends and clients on credit management, I then witnessed the positive ripple effects that improving credit can have on people’s lives.
My goal is to empower communities. Then collaborate with local organizations, conduct workshops, and engage in public speaking to educate individuals about credit literacy and the steps to repair their credit. My goal is to become an advocate and fighting against predatory lending and ensuring that individuals are equipped to make informed financial decisions.
The challenges I faced along the way, such as encountering skepticism from individuals skeptical about credit repair, navigating the complexities of credit reporting agencies, and dealing with setbacks in the credit repair process. The resilience and determination required to overcome these obstacles were well worth the knowledge obtained during the process.

Transforming Lives, One Credit Score at a Time: My credit repair expertise has helped many to improve there lives also allowed them to secure better housing, obtain loans for education or business ventures, and regain financial freedom. If you would like to check your scores to see where your credit is standing try now for just $1 for 7 days Identity I.Q.

Through their unwavering dedication, knowledge, and passion, I have become a beacon of hope for individuals seeking to repair their credit and improve their lives. The journey of realizing the power of credit to becoming a trusted credit repair specialist serves as an great inspiration for myself and other that were facing credit challenges.


There are several reasons why I have the desire to help people fix their credit. Here are a few of them:
1. Empathy and compassion: I realize that genuinely caring about the financial well-being of others, and to understand the challenges they face due to poor credit. I can say I love Helping people improve their credit and positively impacting their lives and providing them with better opportunities…
2. Personal experience: I have personally experienced the consequences of having poor credit in the past and understand the struggles it can bring. If you have successfully improved your own credit situation, you may want to share your knowledge and help others navigate the process also.
3. Expertise and skills: I possess knowledge and expertise in credit industry, I feel a sense of fulfillment in using my skills to assist others. Being able to leverage my expertise and make a positive difference in people’s financial lives is highly rewarding.
4. Financial empowerment: Credit issues can impact a person’s financial freedom and limit their options for obtaining loans, securing housing, or even finding employment. By helping people fix their credit, I empower them to take control of their financial future and improve their overall quality of life.
5. Professional interest: I have a professional interest in the credit industry, and becoming a financial adviser, consultant, or entrepreneur. Helping people fix their credit it is a viable business and career opportunity, allowing myself to combine my passion for assisting others with my professional goals.
Credit Counseling


The goal of helping people fix their credit and improving their creditworthiness and overall financial standing is limitless. Fixing credit involves addressing any negative factors that may be impacting their credit score and taking steps to establish a positive credit history.
Here are some general steps that you can take to help someone fix their credit:

1. Obtain credit reports: Start by obtaining copies of your credit reports from myfreescorenow.com for only $1 charge and a 7 day trial or any major credit reporting agencys like (Equifax, Experian, and TransUnion). Review your reports thoroughly to identify any errors, inaccuracies, or negative information.

2. Dispute errors: If any errors or inaccuracies are found on the credit reports, dispute them with the credit reporting agencys. This can be done by submitting a written dispute along with supporting documentation or contacting Growth Strategy Advisor and we can take the load off of your back.

3. Address late payments and delinquencies: Late payments and delinquent accounts have significant impact on your credit scores. Develop a plan to address any outstanding debts or overdue payments. i would advise that you contact creditors to negotiate lower payment plans or settlements if needed.
4. Pay bills on time:I emphasize the importance of paying bills on time going forward. This helps establish a positive payment history, which it a crucial factor in credit scoring.
5. Reduce credit utilization: High credit card balances relative to credit limits can negatively affect credit scores.I encourage that you pay down debts and keep credit utilization below 30% of the available credit limit.
6. Build positive credit history: Help the person understand the importance of building a positive credit history. This can be achieved by opening a secured credit card, becoming an authorized user on someone else’s credit card, or applying for a small loan and making timely payments.

7. Monitor credit regularly: Establish the habit of regularly monitoring credit reports to ensure accuracy and track progress. I highly Encourage that you utilize free credit monitoring services or consider subscribing to credit monitoring services myfreescorenow.com is $1 for the first 7 days.

8. Patience and consistency: It’s important to emphasize that fixing credit takes time and patience. Credit scores are based on long-term financial behavior, and it may take several months or even years to see significant improvements.

Note: It is advisable to consult a professional credit counselor or financial adviser who can provide personalized guidance based on the individual’s specific situation and local regulations. Here at Growth Strategy Advisor we are here to help and guide you along the way.

Credit Expert: Coach Civil

w: https://colliercountycreditcounseling.com

e: civil@colliercountycreditcounseling.com

w: www.growthstrategyadvisor.com